For the last 9 years I documented the corruption of the American "justice" system. I learned that the BANKERS create money out of thin air. [Ellen Brown, Web of Debt]

The bankers and a few elitists rule the western world, as explained in these FREE online documentaries:The Money Masters, Money As Debt, Terror Storm, Endgame, Zeitgeist: Addendum and Truth Rising.

It is our MORAL obligation to vote with our MONEY and to STOP paying the large banks.

While I continue to litigate against collectors and credit bureaus and for my right to FREE SPEECH, I realize that I'll only gather more proof of corruption.

The purpose of my litigation is no longer to prevail in corrupt courts, but to publicize the corruption and to convince many MILLIONS of (near) judgment-proof PEOPLE to STOP paying the banks and to STOP being CONSUMERS.

It's we, the "people", not we, the "consumers."

I am working on becoming self-sufficient, am off the grid, grow organic non GM food and I try to live a less stressful and healthier life. I get by on a lot less income and I am happy to NOT support corrupt governments with my tax dollars.

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FAQRegistration and posting are disabled as I am using this site only to post the filings in my litigation.

10/16/09 filed in AZ state court 3/1/10 removed by Trans Union to federal court 5/25/10: Arizona federal judge Neil W. Wake once again DISMISSED all my claims. I have no intention of wasting more of my precious time in this corrupt court.

FIGHT BACK:

If you're one of the MANY (near) judgment-proof Americans with large unsecured debts, STOP paying the national banks and take care of yourself and your friends and family instead of contributing to record profits for criminal bankers.

I know that many people depend on their credit rating, but I find that it's simply not worth the aggravation and EXPENSE to try to maintain ACCURATE credit reports.

The corrupt American legal system does NOT provide for any compensation for our time wasted on litigation. Unless you're WEALTHY and you can PAY a competent attorney, you're SCREWED.

7/25/08: I.C. System removed to Federal Court and CONTINUED to call me to collect

11/21/08: SETTLED!

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10-06-08 11:16 pm

Christine

Baker v. United Online (NetZero)On 7/4/2006, I called Netzero to cancel their service. I ended up at the "save" department and my cancellation was refused. Finally I demanded that the account be closed and I hung up.

One year later, my credit card was still charged $14.95 every month. So I sent my written request for a full refund and to finally close the account. Jenniffer Sterold, NetZero Customer Care, responded that they have no record of my cancellation request and she REFUSED to close my account as per my WRITTEN request, demanding that I call.

If you've followed the AOL cancellation class actions, you know the drill.

Of course I know how the corporate scum always lies, I RECORDED the cancellation call.

I filed a small claims complaint, but would love to be the named plaintiff in a class action. This THEFT and FRAUD has to stop!

10/07: Attended mediation, did not settle and moved case to civil division so I can conduct discovery. Would still like to see a class action.

In 3/2007, I applied again for a mortgage with a junk faxer and AGAIN Dana Capital ran my credit.

This suit documents that the regulators WANTED the subprime crisis to happen and that the credit bureaus couldn't possibly care less about who they sell your credit report to -- as long as they get paid.

NCO also ran my credit for COLLECTION without ever collecting any debt and I'm not aware of any delinquent accounts.

10/07: I had most defendants served, Dana Capital filed for involuntary bankruptcy and president Dana Smith also filed his Ch. 7. I could not serve Anthony Paduano and Vincent SanFilippo and that might be a good thing, I don't want to get beaten up.

8/4/08: My response to the Trans Union motion to dismiss contains indisputable evidence of the credit bureaus' role in creating the credit crisis.

According to the NCO and TU discovery responses, they did NOTHING to investigate my complaint about illegal marketing, false mortgage advertising and Dana Capital allowing unlicensed criminals to use its account to obtain consumer credit reports.

NCO still has access to consumer reports despite its failure to provide any permissible purpose to run my credit.

Word on the street is that Anthony Paduano also still has access to credit reports - DESPITE this litigation.

I settled with NCO, but the credit bureaus were dismissed. This just goes to document that the JUDGES are as guilty as the big corporations of destroying America and especially the middle class. The big corporations own the government and the courts.

5/16/07: Defendants NCO, Dana Capital, Equifax and Trans Union were dismissed for improper joinder 6/4/07: Was awarded costs of service of Focus, NCO, TU, Equifax and Dana Capital. 6/15/07: I filed my new complaint against the dismissed defendants.

Focus Receivables Management and collector James Hurd are the remaining defendants

10/10/07: No settlement was reached at the case management conference.

12/07: Was awarded only my "out of pocket expenses" for my travel to Phoenix to attend the hearing regarding my motion for sanction after a month of filing motions and trying to get ANY response from Focus / Hurd attorney Cynthia Fulton.

Apparently he believes that the legislators WANT consumers to suffer damages.

I appealed and I am currently awaiting the appeals court's ruling.

HOWEVER, Capital One is FINALLY reporting the credit LIMITS as of summer 2007.

I can lose in court and STILL win!

Finally, after 6 years of publicizing the atrocious Capital One credit reporting, filing complaints and suits, consumer attorneys filed class actions in 2006 against the CRAs to require THEM to report the LIMITS.

If the Trado is widely circulated within a year, we have a really good chance of entirely ELIMINATING the need for commercial banks and credit bureaus.

The old system with its corrupt judges and politicians will die.

After all, when the PEOPLE stop funding the bailouts and corruption because they can get interest free loans at Trado and the government is bankrupt, the big corporations can only deceive and defraud each other.

It's been over 7 years and I feel 50 years older. I sure learned a lot.

I finally dismissed my claims against the remaining defendants Experian and ConsumerInfo.com in exchange for the removal of my credit reports from PACER.

After they filed my unredacted credit reports for download by the general public at 8 cents/page and judge Broomfield refused to order that my credit reports be sealed or at least redacted, I had no choice.

I suppose I need to sue the court, Jones Day, Marc Carlson (the attorney who filed the reports) and Experian and ConsumerInfo.com in a new suit.

I'm also appealing the order granting the American Agencies motion for summary judgment - granted in part because Experian's Kimberly Hughes declared that American Agencies did not receive my credit reports even though that's what my Experian credit reports clearly state.

Notably, in the deposition Ms. Hughes finally admitted that American Agencies received my credit data.

Experian routinely provides false declarations to get dismissals, not just on its own behalf, but to get clients such as American Agencies and Capital One dismissed.

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11-19-08 07:46 pm

Christine

Closed / settled cases

Baker v. Access Sales (aka fax.com) and many other junk faxersThis complaint is not just about the fax spam, but also about the fact that most companies engaging in junk faxing are SCAMMERS. The junk faxing mortgage companies are in large part responsible for the subprime crisis. They advertised entirely false terms on these ILLEGAL faxes. The regulators refused to act on my complaints.

Most of the defendants went bankrupt, including fax.com, CBSK (American Home Loans), Dana Capital Group and its president Dana Smith.

ILLEGAL KICKBACKS (the payment to the lead generator) and the junk faxed ad violates TILA and the Arizona Consumer Fraud Act (false advertising).

The AZ Department of Financial Institutions REFUSED to investigate my complaint. THEY are responsible for the subprime mortgage crisis.

1/29/06: Corrupt Justice of the Peace John Taylor refused to allow me to conduct discovery and granted the First Magnus motion to dismiss and awarded $6,400 for attorneys' fees.

I had to put up the cash for the superseadas bond and appealed. Just before Thanksgiving the superior court ruled in my favor and remanded back to justice court. I accepted the First Magnus settlement offer in mid December 2006.

8/19/2003: Bank One insists that they are correctly reporting the DISCHARGED account with a DELINQUENT balance in response to an OCC complaint + they continue to access the credit file without any permissible purpose.

They got away with it, and they will continue to get away with it until the victims go public, share their stories and unite to fight back.

While California revoked the WF mortgage lending license, federal court ruled that they don't NEED a California license to do business in California and STATE consumer protection laws don't apply to national banks.

In response to the small claims suit, they filed for dismissal and a motion for sanctions of $500 for harassment. Their attorney JOSEPH F. MUSUMECI referenced the FDCPA - NOT the FCRA! Is this what you can expect when you hire an attorney?

Joseph Udall, Mesa, AZ, attorney for Capital One, filed the countersuit for $650 + attorneys fees "likely to be significantly more than the $600 ..." KNOWING that the payment in full was already mailed.

-- the suit was eventually settled for deletion.

5/07: YES, Capital One IS exempt from the Truth In Lending Act, no statements have to be sent after an account is charged off and they CAN continue to add interest at the default rate literally forever.

Your only hope is that the statute of limitations in your state expires before they sue and that they can legally only report the charge-off for 7 years.

The good news is that Capital One tends to verify incorrect information with the credit bureaus and that their collectors often violate the FDCPA, so you might get some legal claims.

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01-27-04 03:23 pm

Christine

Capital One and Amerix, fka Genus Credit Management (collectors in disguise)After paying Capital One's collector NCO through Genus for almost 3 years, they thought they paid the charged off accounts in full. SURPRISE! Capital One claims that the payments barely covered the interest. Capital One never sent a single statement since the charge-off, and that's just FINE with the Federal Reserve Bank, Cap One's "regulator"

Experian - ConsumerInfo.com - CreditExpert.com9/24/03: Since I filed my suit on 3/19/03, I discovered that Experian owned ConsumerInfo.com is selling consumer disclosures to consumers and resellers such as PrivacyGuard in violation of the FCRA. None of the bureaus terminated access to ConsumerInfo.com as I requested. Everybody knows that consumers are being defrauded on a daily basis, and I've put Craig Smith, CEO Experian worldwide, on notice.

Casesa igored the request for billing so the insurance could pay and he reported the collection to the CRAs. He sent the 9/29/03 collection letter acknowledging the dispute, but refused to resolve this SIMPLE matter and he just won't quit collecting.

FTC - CongressThe FTC refuses to enforce the FCRA and FDCPA and ignores credit scoring. Most members of Congress are clueless and/or bought by the finance industy and banks who pay for their elections.

Fair Isaac - the designers of the credit scoring fraudwareScoring the entire USA with fraudware, aka secret credit scoring formula. They effectively ** re-age ** collections by using the date the collection was PLACED instead of the charge-off date, they LOWER the scores of consumers due to inquiries relating to moves, job changes, collections and even opening a savings account can cost you 20 points. Those inquiries do NOT indicate that consumers are looking for new credit, yet they result in higher interest and INSURANCE rates for many people.